Which is the best credit card?

credit-cards-smallEveryone wants to know what the best credit card is, but nobody wants to hear the real answer: there is NO best credit card, only the best credit card for you. Consider:

  • If you have a balance on your credit card, the best card for you is the one with the lowest interest rate.
  • If you pay your full balance every month, the best credit card for you is a rewards credit card, BUT…
  • The best rewards card for you depends on… you. Do you want airline miles, cash back or gift cards, points toward merchandise rewards, or some other rewards scheme?

See? There is no best credit card. But we are happy to give you our ideas on the top credit card or cards in various categories, in order to help you choose which card is best for you:

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Review: Wawa Credit Card

wawa-credit-cardConvenience store / gas station chain Wawa, in partnership with Citibank, offers a credit card that gives you a decent gas discount — provided you never carry a balance. Our review of the Wawa credit card is below:

The first thing to know about the Wawa credit card is that it can only be used at Wawa, nowhere else. It is always good to ask yourself if it’s worth opening a new credit card if it can only be used at a single retail chain, because too many credit lines can hurt your credit score, especially if your credit history isn’t great to begin with.
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Cash Back Credit Cards

citibank-double-cash-credit-cardOur favorite type of reward card is one that gives you a rebate in cold, hard cash. Sure, it’s nice to get travel rewards or gift cards, but in our book the best option is to get cash that you can use any way you want. Below we list some of the best cash rebate credit cards currently on the market, all offering at least 1% cash back, but usually more.
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Lowe’s Credit Cards Review

lowes-logoLowe’s offers a consumer credit card and a business credit card. Below is a summary of what each offers and a brief review of the upsides and downsides of getting a Lowe’s credit card:

The Lowe’s Consumer Credit Card obviously allows you to pay for Lowe’s purchases on credit, but it also offers a decent rewards / discount program. You get 5% off purchases that you make with your Lowe’s credit card, OR you can choose to pay off purchases of $299 or more over a 6-month period without paying interest. (But you must pay the complete balance in that 6-month period or you’ll get charged all of the interest that would’ve accrued from the purchase date — as if the 0% offer never existed!)
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Sheetz Credit Card Payment, Login, and Customer Service Information

sheetz-credit-cardThe Sheetz credit card is issued in partnership with First Bankcard/First National Bank of Omaha, and it is First Bankcard that you will deal with when it comes to making your card payment online or by mail, or if you need customer service help. Information on completing any or all of these tasks is below:

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Review: First Premier Credit Card

first-premier-ccThe First Premier Bank MasterCard is a credit card targeted at the bad credit customer. Our review of the card can be summed up in one sentence: don’t get one!

To expand on that, many bad credit customers will do just about anything to get back in the credit game. In our opinion, First Premier takes advantage of this fact by offering a credit card with some of the most restrictive terms & highest fees that we know of on the market.
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Ace Hardware Credit Card Payment, Login, and Customer Service Information

ace-hardware-credit-cardAce Hardware credit cards are issued in partnership with US Bank, and so it is US Bank you will actually deal with when it comes to making your card payment online or by mail, or if you need customer service help. All the information you need to complete any of those tasks is below:

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Average Credit Card Rates – October 2015

average-card-ratesThe current average credit card rate for the overall market is 18.37%, an average that has now held steady for 2 months straight. However, this 18.37% rate is still the highest average we’ve seen in over a year. Have we reached the top? Not if interest rates are raised in the near future. For now, credit is pricey even without a rate hike. By comparison, the average rate at this time last year was 17.93%, almost half a percentage point lower (44 basis points).

Below you’ll find current average rates in several card categories:

  • The average rate for low interest credit cards with no rewards remained at 15.73% this month. (Last year’s average rate in this category was 15.02%.)
  • The average rate for rewards credit cards remained at 18.55%. (Last year’s average rate at this time: 17.88%.)
  • The average rate for department store / retail credit cards remained at 22.61% this month. (The retail credit card average, while very high, is actually down slightly from last year at this time, when a 22.84% rate was calculated.)

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How to Apply for a Kmart Credit Card

kmart_storeIf you are having a heck of a time getting information on applying for a Kmart credit card, that’s because Kmart’s credit card is actually the Sears card. When the two companies merged, the old Kmart credit card went away and the Sears credit card became the card for both store chains.
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5% Cash Back at Amazon.com Through Year End for Chase Freedom, Discover It Cardholders

amazon-logoAs the holidays approach, Amazon.com shoppers that hold the Chase Freedom credit card or the Discover It Card can look forward to a 5% discount on their Amazon.com purchases — in the form of a 5% cash back rebate.

Each of the cards has a rewards formula that offers 5% cash back on certain purchase categories each calendar quarter, and each is offering that 5% rebate on Amazon.com card purchases in the fourth quarter from October 1 through December 31, 2015.
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Review: M&T Bank Credit Cards

mt-bank-credit-cardM&T Bank offers 3 credit card options for its customers, all with no annual fee. Our overview / review of the cards is below:

  • The standard M&T Visa Credit Card is built for consumers who don’t care much about card rewards but instead want the lowest interest rate. Those with good credit card can get an interest rate as low as 10.24%, and the highest interest rate you could potentially pay with this card is 17.24%. It also offers a 0% rate on balance transfers you for 12 months, but charges a not-great 4% fee on transferred balances, so it might not be worth it.

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Norwegian Cruise Line Credit Card Payment, Login, and Customer Service Information

norwegian-cruise-line-credit-cardThe Norwegian Cruise Line credit card is issued in partnership with Bank of America, and it is Bank of America you will deal with when it comes to making a payment online or by mail, or if you need customer service help. All the information you need to complete any of these tasks is below:

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Zero Interest Credit Cards

zero-percentBelow is a list of credit cards that offer zero percent interest rates on new purchases AND balance transfers for at least 12 billing cycles. Note that after the zero percent period the rate changes back to the higher, “normal” rate offered by that card. Also understand that most 0% balance transfer offers include a balance transfer fee. All of these cards have no annual fee.
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Review: Bon-Ton Credit Card

bon-ton-credit-cardRegional department store chain Bon-Ton, in partnership with Comenity Bank, offers a credit card that allows you to earn reward points toward future Bon-Ton purchases. Our overview / review of the Bon-Ton credit card is below:

Bon-Ton’s credit card is accepted not only at Bon-Ton stores but also any store in the Bon-Ton Stores family, including: Bergner’s, Boston Store, Carson Pirie Scott, Elder-Beerman, Herberger’s and Younkers. Despite that, this card has fairly limited usage potential — you should ask yourself if you shop at Bon-Ton often enough for it to be worth opening up another credit line just for this store.
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